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SBA Guaranteed Loans

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​​Compare your small business financing options.

We offer three types of loans through the U.S. Small Business Administration (SBA) program, depending on the amount of funding required. Compare the details of each option, including upfront fee requirements.

7(a) Small Loans < or = $350,000

7(a) Loans > $350,000

SBA Express Requirements

Ideal to

Support current activities, to expand​ or start a business

Support current activit​​ies, to expand or start a business

Support current activities, to expa​nd or start a business

Credit Amount

Term Loa​​ns up to $350,000

Term Loans from $350,00​0 to $5,000,000

Lines of Credit or Term​​ Loans up to $350,000

Use of Funds

Working capital, lease​hold improve​ments, equipment purchase, land, building or business acquisition including real estate

Working capital, leasehold improvements, equipme​​nt purchase, land, building or business acquisition including real estate

Working capital, leas​ehold improvements, equipment purchase, land, building or business acquisition, debt refinancing

Interest Rates

Variable

Loans < 7 years: up to WSJ Prime + 2.25%​DIS-173-DIS

Loans > or = 7 years: up to WSJ Prime + 2.75%​DIS-173-DIS​

Variable

Loans < 7 years: up to WSJ Prime + 2.25%​DIS-173-DIS​

Loans > or = 7 years: up to WSJ Prime + 2.75%​DIS-173-DIS​

Variable

Loans < or = $50,000: up to WSJ Prime + 6.50%​DIS-173-DIS​

Loans > $50,000: up to WSJ Prime + 4.50%DIS-173-DIS

Maturity

Up to 10 years for non-real estate secured; up to 25 years for real estate ​secured

Up to 10 ​​years for non-real estate secured; up to 25 years for real estate secured

Term Loans: up to 10 years for non-real estate secured; up to 25 years for real estate secured

Lines of Credit: up to 7 years maximum

Requirements

Borrower must pay to the SBA an upfront guaranty fee equal to:

0% of the guaranteed portion for loans < or = $150,000

3% of the guaranteed portion for loans > $150,000

Borrower must pay to the SBA an upfront guaranty fee equal to:

3% of the guaranteed portion for loans < or = $700,000

3.5% of the guaranteed portion for loans > $700,000

An additional 0.25% is charged for any guaranteed portion > $1,000,000

Borrower must pay to the SBA an upfront guaranty fee equal to:

0% of the guaranteed portion for loans < or = $125,000

2% of the guaranteed portion for the loans > $125,000 or = $150,000

3% of the guaranteed portion for loans > $150,000

Fee waived for veteran-owned businesses

How to Apply

Ready to talk to us about securing a loan for your small business? Get in touch today to start the process. If your company needs a business loan or line of credit for $100,000 or less, you can have access to these funds in just a few days.